I like fitness and health and just like those two things, real estate investing is NOT a "one size fits all" solution.  

Let’s explore just two of the solutions that could help get you into your first home no matter the market.1.

That said, we’ve been able to help investors secure creative financing solutions that work for this model.If you decide to move forward, just make sure your financing strategy aligns with your long-term goals, and the properties are good fits for Padsplits model.  

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How to Structure the Deal to Protect Your $20KIf you’re willing to cover the $20K arrears, here’s how to protect yourself:Option 1: Secure Your Funds with a Lien or Escrow AgreementUse an escrow account: Deposit the $20K into escrow with clear terms—if the assumption is denied, the funds return to you.Record a promissory note & lien: If the deal falls through, this would give you a legal claim against the property to recover your funds.Option 2: Sub-To + Wrap While You AssumeSubject-to deal: Take over the existing loan payments before assumption approval, securing control.Escrowed deed transfer: The seller signs the deed into escrow only to be recorded after assumption approval, ensuring they can’t back out.Lease option fallback: If the assumption is denied, consider a lease option agreement until another solution is found.Option 3: Negotiate a Seller Financing HybridAsk the seller to carry a small second note for the $60K equity gap at favorable terms.Use your $20K as a down payment, structured as a secured loan against the property.3.

It's a learning curve, but I think it's going to be the best solution. 

With the property needing lots of work, I provided a solution to the owner.

With the property needing lots of work, I provided a solution to the owner.

My primary goal is to find the most cost-effective solution that minimizes tax liabilities, including avoiding property tax reassessment and maximizing the step-up in cost basis. 

I'm passionate about creating secure, long-term housing solutions that balance tenant stability with strong returns.